This is a cool idea, and a good first start implementation. It's also the basis of the "Health Insurance Exchanges" that are due to be set up by the Affordable

This is a cool idea, and a good first start implementation. It's also the basis of the "Health Insurance Exchanges" that are due to be set up by the Affordable Care Act (a/k/a Obamacare in the pejorative). Starting in 2014 individuals can buy insurance directly in an Affordable Insurance Exchange. An Exchange is intended to be a transparent and competitive insurance marketplace where individuals and small businesses can directly buy qualified health benefit plans. It doesn't solve the immediate problem obviously, but the Federal timeline for implementation is here: http://www.healthcare.gov/law/timeline/index.html http://www.healthcare.gov/law/timeline/index.html Individual states are free to set up exchanges prior to the mandatory deadline, but with politics being what they are, that's not a guarantee of swift action. The details on implementation will be promulgated by Health and Human Services, most likely via the CFR and Federal Register, so we don't yet know how it will shake out in detail. But there's an overview PR-style here: http://www.healthcare.gov/news/blog/health_insurance_exchanges.html http://www.healthcare.gov/news/blog/health_insurance_exchang...